No sub-limits for major conditions on top-tier cover.
Silver plan accepts new pets up to 14 years old.
Potiki Perks included, providing annual flea, tick, and worming products.
Pros
It comes with 3 options, Silver, Gold and Platinum, to suit various budgets.
It can cover up to $30,000 worth of vet bills a year, that's more than almost every other insurer on the market.
You can still take out the Silver policy if your pet is over 9 years old. Many insurers stop offering new policies at this age.
Cons
It pays up to 80% of eligible vet bills. This isn't bad, it's just the same as the majority of insurers.
It comes with a 21 day waiting period for illnesses. A small handful of insurers offer cover after 14 days.
Compare pet insurance from Potiki
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How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Covers up to 80% of vet bills. Potiki's petinsurance.com.au policies cover for up to 80% of your veterinary expenses when your pet suffers an illness or injury. This includes consultation and surgical costs, diagnostic tests, hospitalisation and more.
Claim up to $30,000 cover. There's also no annual sub-limits for vet consultations, tick paralysis, cruciate ligaments and hip joint surgery with the Platinum option.
24/7 vet chat. Not all insurers offer this. It can be good if you're unable to reach a vet after work hours.
Easy claiming. It offers GapOnly cover which means you only pay the difference between the vet bill and what your policy covers (lots of insurers don't offer this yet).
Routine cover. There's no sub-limits for vet consults on the Platinum Plan (meaning you could claim up to $30,000 a year).
Our expert's verdict
Our expert says
"There's very little to fault with Potiki. The Platinum option is one of the most comprehensive policies you can get in Australia. Everyday is the only other insurer to offer up to $30,000 a year. Plus it comes with $599 of routine care and non-insurance benefits which you won't find elsewhere."
To help give you an idea about how much Potiki cover could cost your pet, we collected annual quotes for some of Australia's favourite dog breeds for petinsurance.com.au who issues its policies. Just remember, this is a recent snapshot of costs. Prices will differ based on things such as your own dog's age, breed and your address. It's worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Platinum, Gold & Silver Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What isn't covered by a Potiki policy?
Here is the standard exclusions under a Potiki pet insurance policy:
Pre-existing conditions
Routine and preventative care
Elective and cosmetic procedures
Breeding and obstetrics
Standard dental care
Ancillary expenses
How to make a claim
Here is a step-by-step process for filing your Potiki pet insurance claim online:
Gather your required documents. Before logging in, make sure you have the following ready: an itemised invoice, vet consultation notes, proof of ownership (if applicable).
Access the online portal. Log in to the pet insurance policy portal provided by Potiki and petinsurance.com.au.
Add your vet details (optional). While in the Pet Portal, you have the option to add or update your veterinarian's details to keep your profile current.
Upload your documents. Follow the prompts in the portal to upload copies of your itemised invoice, your vet consultation notes, and proof of ownership (if needed).
Keep an eye out for follow-up requests. After submitting, monitor your email or phone. In some cases, Potiki may need additional information to process your claim, such as previous medical history or pathology results. If they need these, they will contact you directly.
Frequently asked questions about Potiki pet insurance
Potiki is a distributor of petinsurance.com.au. Potiki Perks though are a separate from the pet insurance product. They're provided by VetChat Services and Potiki Insurance.
No, petinsurance.com.au only offers cover for cats and dogs.
You can take out cover for pets 8 weeks of age or older. If you select accident and illness cover, your pet must also join before its ninth birthday unless you get Silver cover. This offers insurance up to the age of 14.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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Find out what each of the 3 levels of pet insurance from Everyday covers.
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